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Traditional vs. Roth 401(k) and how best to leverage an HSA

Employee Benefit News

Cash flow, tax bracket and timing of distributions will determine whether pretax or post-tax treatment of retirement savings makes more sense.

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Roth 401(k) vs. Roth IRA: What Is the Difference?

Patriot Software

Two common retirement plans for employees are individual retirement arrangement/account (IRA) plans and 401(k) plans. Maybe you are considering establishing a Roth, or post-tax contribution, retirement plan. What is the difference between Roth IRA […] READ MORE.

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What is a 401(k) Plan and How Does it Work?

HR Digest

In recent years, some employers have started to offer a Roth 401(k) option, which allows employees to contribute after-tax dollars to their accounts. The advantage of a Roth 401(k) is that withdrawals in retirement are tax-free, as long as certain conditions are met.

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5 Emerging Benefits Trends to Look for in 2025

Best Money Moves

The average employer matches 6% of an employee’s Traditional 401k and Roth 401k contributions. Retirement benefits trends may help move the needle In SHRMs Employee Benefits survey, more than 80% of employers said that retirement benefits were very or extremely important.

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Roth IRA vs 401(K): Which Should You Choose?

HR Digest

You can open a Roth IRA with any financial institution, including bank accounts, investment brokerages, and mutual funds. What is a 401(k) plan? A Roth 401(k) is an account in which contributions are taken directly from the paychecks of employees. It was established by the Taxpayer Relief Act of 1997.

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Congress passes SECURE 2.0 Act, making important changes to 401(k)s

Business Management Daily

Accounts must be set up as Roth after-tax accounts. Once the cap is reached, additional contributions can be directed into employees’ Roth 401(k) accounts (if they have one) or stopped until the balance falls below the cap. Roth 401(k) provisions. Roth 401(k)s, however, aren’t quite as generous.

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Employee Focused Retirement Plans

HR Professionals Magazine

You may be surprised, or not, to hear that some plans don’t even offer the Roth option. The key between a Traditional or Roth 401(k) boils down to when the participant will pay taxes. A good rule of thumb is the younger you are, the more beneficial a Roth 401(k) can be.